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The Modern American Frugal Housewife Books #1-4: Complete Series

The Modern American Frugal Housewife Books #1-4: Complete Series

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The Modern American Frugal Housewife Books #1-4: Complete Series

Länge:
482 Seiten
5 Stunden
Herausgeber:
Freigegeben:
Apr 30, 2016
ISBN:
9781533760944
Format:
Buch

Beschreibung

Get this entire "Modern American Frugal Housewife" Series!

Book #1: Home Economics

Are you looking for ideas on how to lower your living expenses?
Home Economics doesn't have to be difficult.
Inspired by Lydia Maria Francis Child's 1833 book, "The American Frugal Housewife", this book is written for the MODERN American Frugal Housewife in mind.
Includes:

  • Tips on how to lower insurance costs
  • How to avoid bank fees
  • How to reduce household costs
  • How to cut your food expenses
  • Live more on less! Includes money-stretching recipes like: homemade bread, homemade mayo, how to make at least 3 different meals out of 1 whole chicken, how to use rolled oats to make instant oats as well as recipes for homemade cleaning products!

Book #2: Organic Gardening
Are you looking for ideas on how to lower your food costs or start a new hobby?
Why not do both at the same time and start a mini backyard homestead and create an edible garden?
Gardening is a wonderful activity and organic edible gardening is a thrifty way to help to reduce your food costs while providing you with healthy, nutritious food.
Includes:
• Good herbs and vegetables to plant for the frugal kitchen
• How to make your own compost and compost tea
• How to make organic pesticides
• Where to find cheap or free plants and seeds
• How to save seeds for future plantings
• Recipes

Book #3: Moms Edition
Are you are new or soon-to-be mommy looking for ideas on how to lower child-rearing costs?

Having children is great but they can be expensive if you don't watch your costs.
Includes:
• Ideas on how to save on pre-natal costs.
• How to get free or cheap formula if you're not breastfeeding.
• Reduce your chemical load - Includes recipes on how to make DIY personal care products like soap and lip balm.

This book will also teach you extreme couponing techniques to get the best or even money making deals at stores like Target (for food, diapers and more), Staples (for school supplies) and Kohl's (for clothes and household items).
Bonus: An extra tip on where you can get BRAND NEW age-appropriate books sent to your child (under age 5) every month at NO cost to you! 

Book #4: Emergency Prepping

If you can survive in the arctic naked with nothing but a paperclip, this book is not for you.
If you can kill a grizzly bear with your bare hands, this book is not for you.
If you're planning for a Zombie Apocalypse or the next Ice Age, this book is not for you.
If you're just a regular person looking for practical realistic emergency bug-in prepping tips, ideas and tactics that you can use TODAY, this book IS for you.

  • How can you replace gallons of chlorine bleach (for water treatment) with just 1lb of this chemical?
  • How do you ration water when supply is limited?
  • How can you stop bleeding with an easy-to-grow plant?
  • How can you develop the best defense in a bug-in situation for little monetary cost?

Get all these questions answered and more. Written by a homesteader, this book offers practical bug-in frugal prepping ideas with the regular Joanne (or Joe) in mind. It cuts through general prepper paranoia and offers sustainable, frugal tips on how to make yourself more resilient even if TEOTWAWKI (the end of the world as we know it) never comes.

Herausgeber:
Freigegeben:
Apr 30, 2016
ISBN:
9781533760944
Format:
Buch

Über den Autor

Self-Reliance -- One Step at a Time Get free e-books at http://byjillb.com Reliance on one job. Reliance on the agri-industrial food system. Are you ready to break free, take control and to rely on yourself? With a no-nonsense style,  Jill Bong draws from her own homesteading experiences and mistakes, and writes books focusing on maximizing output with minimal input to save you time and money. Jill was born and raised in a country with one of highest population densities in the world. Dreaming of chickens and fruit trees, she left the trappings of the big city and is setting up her homestead in an American town with a population of less than 300. Jill writes under the pen name Jill b. She is an author, entrepreneur, homesteader and is the co-inventor and co-founder of Chicken Armor (http://chickenarmor.com), an affordable, low maintenance chicken saddle. She has also written over a dozen books on homesteading and self-reliance. Jill has been mentioned/quoted in various publications including The Associated Press, The New York Times, The Denver Post and ABC News. She has written for various magazines including Countryside and Small Stock Journal, Molly Green, Farm Show Magazine and Backyard Poultry Magazine. She holds an Engineering degree from an Ivy League from a previous life. At its height, her previous homestead included over 100 chickens, geese and ducks, as well as cats, a dog, bees and a donkey named Elvis. She currently learning permaculture techniques to apply to her homestead in rural Oregon. Learn more by visiting her site http://byjillb.com.


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Buchvorschau

The Modern American Frugal Housewife Books #1-4 - Jill b.

Author

Table of Contents

BOOK#1: Home Economics

Introduction

Saving on Insurance

Having Good Credit Helps You to Save

Saving With Credit Cards

Using Debit Cards Can Help You To Save Money

Grocery Store Fuel Rewards/Gas Points

Additional Savings with Gift Card Purchases

Avoid Unnecessary Bank Fees

Save Your Stamps and Avoid Paying Late Fees

Free/Low Cost Financial Services

Budgets

Cut the Cellphone Subscription

Cut the Cable

Indulge in Other Activities

Deal-A-Day Websites

Cash-Back Websites

Pack A Lunch

Saving on Food

Forage!

Volunteer at A Local Food Bank

Grow Your Own Vegetables

Pick Your Own

Frugal Tips for Shopping at Your Grocery Store

Safeway

Warehouse Stores - Costco

Invest in an Extra Freezer/Fridge

Cook It!

Make What You Often Consume

Cook in Bulk

Save Money by Cooking More Efficiently

Basic Kitchen Items You’ll Need

Leftovers Make a New Meal

Simple Make-At-Home Meal Ideas

Simple Money Saving From-Scratch Recipes

Granola Bars

Homemade Vanilla Extract

Homemade Applesauce

Steak with Side

Microwaved Baked Potato

Stretching a Chicken

Baked Chicken with Rice

Homemade Five-Spice Powder

Many-Purpose Homemade Season Salt

Baked Chicken Variations

Chicken Pot Pie

Chicken Salad

Homemade Mayonnaise

Homemade Bread

Stock

Saving Around the House

Saving on Heating Costs

Saving on Cooling Costs

Kill Those Energy Vampires

Join the Energy Choice Program

Half Your Consumption

Homemade Dishwasher Powder

Save with Distilled White Vinegar

All-Purpose Cleaning Spray

Scouring Paste

Cleaning the Garbage Disposal With Vinegar

Toilet Cleaner

Natural Air Freshener

Laundry

Homemade Laundry Soap

Conclusion

BOOK#2: Organic Gardening

Introduction

Planting Containers

Clean the Pots Before Planting

How to Clean Your Pots

Topsoil

Steaming to Sterilize

Sterilizing in the Oven

Potting Soil

Mulch

Plant Hardiness Zones

Microclimate

Soil Testing

Native Plants

Seeds

Seedlings/Plants

Heirloom vs Hybrids

Protecting Your Plants from Frost

Cold Frames

Compost

Compost Tea

Pesticides

Frugal Plants for the Kitchen Frugal

Rosemary

Propagation

Planting

Basil

Planting

Harvesting

Seed Saving

Mint

Planting

Harvesting

Cilantro

Planting

Harvesting

Seed Saving

Green Onions

Planting

Sage

Planting

Harvesting

Oregano

Planting

Tomatoes

Planting

Hardening Tomatoes

Trellising

Planting Techniques

Harvesting

Seed Saving

Zucchini/Squash

Planting

Fruit Production

Harvesting

Storage

Seed Saving

Potatoes

Sprouting Your Potatoes

Ground Planting

Container Planting

Harvesting

Seed Saving

Peppers

Planting

Harvesting

Seed Saving

Recipes

Chilli/Onion/Garlic Powder

Lemon Sage Seasoning

Homemade Italian Seasoning

Rosemary Focaccia Bread

Russian-Style Fermented Tomatoes

Conclusion

BOOK#3: Moms Edition

Introduction

Prenatal Costs

Medicaid

Military Coverage

Paying on a Sliding Scale

Saving Ideas If You Have Insurance

Make Sure Your Baby Is Insured

Free Eye-Exams

Feeding Your Baby

Women, Infants and Children

Saving On Formula

Get It for Free

Sign Up for Loyalty Programs

Buy in Bulk

See If Your Insurance Will Cover It

Make it Yourself

Baby Bottles

Diapers

Sleeping Arrangements

Car Seats

Clothing

Facebook BST Groups

ThredUp

Free Books

The Public Library

Free Physical Books to Keep

Free eBooks

Community Resources

Baby Food

Storage

Slickdeals.net

Cashback Sites

Saving with Gift Cards

Gas Points

Amazon.com

Amazon Price-Matching

Amazon Prime Membership

Amazon.com Rewards Visa

Kohl’s/Macy’s/Dillard’s

Variable Pricing

Price-Matching At Kohl’s

Coupons

Stacking Coupons

Manufacturer and Competitor Coupons

Stacking Coupons and Price-Matching Deals

Kohl’s Cash (KC)

Kohl’s Charge Card

Kohl’s Emails

Yes2You Rewards

Rebates

Keeping Up to Date on Kohl’s Deals

Target

Mark Down Schedule

Price-Matching at Target

Stacking Deals at Target

Gift Card Deals

Coupon Overage

Target REDcard

Wal-mart

Price-Matching at Walmart

Walmart Savings Catcher

Making Your Own Personal Care Products

Homemade Lip Balm

Homemade Tubed Lip Balm

Homemade Deodorant

Homemade Soap

Lye

Getting Free Fat for Your Soap

Soap Making Process

Homemade Laundry Soap

Homemade Washing Soda

Homemade Toothpaste

Staples/Office Depot/Office Max

Staples Price-Matching

Using Coupons at Staples

Using In-Store Only Coupons On Online-Only Items

Stacking Coupons

Rebates

Ultimate Couponing - Making A Profit After Rebate

Staples Rewards

Free After Rewards

The Ink Recycling Program

Back To School (BTS)

Keeping Up to Date on Staples’ Deals

Saving for the Kids

College Savings

529 College Savings Account

Prepaid Tuition

UGMAs and UTMAs

Tax Credits

Child Tax Credits

Earned Income Credits

Conclusion

BOOK#4: Emergency Prepping

Introduction

The Necessities

Buckets and More

Water

Water Storage

Water Preservation

Chlorine

Calcium Hypochlorite

Food

Cans

Canning Your Own Food

Dried Food

Storage

MREs/Dehydrated Food

Powdered Milk Cottage Cheese

Condiments

Salt

Sweeteners

Oils

Rendering Fats

Baking Soda

Antacid

Skin Irritation Soother

Dental Care

Personal Care

Meat Tenderizer

Prepper Cornbread

Soda Bread

Buckwheat Pancakes

Seeds

Harvesting the Wild

Cookware

Caring for Your Cast-Iron Pan

Cooking without Regular Utilities

Homestead Stew

Making Charcoal

Non-Electric Slow Cooker

Solar Cooker

A Very Simple Rocket-like Stove

Composting Toilet

Personal Hygiene

Bathing

Dental Hygiene

Soap

Soap Making Process

Homemade Lye

Diapers and Sanitary Pads

Washing

Clothing

Footwear

Children’s Clothing

Health

Prescriptions

Antibiotics

First-Aid

Herbal Remedies

Financial Security

Increasing Income Streams

Reducing Debt

Gold & Silver

Cash

Personal Safety

Firearms

Knives

Working Animals

Dogs

Chickens

Bee-Keeping

Lighting

Candles

Other Lighting Sources

Power Sources

Entertainment

Community

Conclusion

Resources

Appendix

Bibliography and References

Books By Jill b.

One Last Thing

About the Author

Introduction

Great wealth is a gift from heaven; moderate wealth results from frugality. - Chinese Proverb

This book was inspired by The American Frugal Housewife which was published in 1833 by American abolitionist, women's rights activist and journalist, Lydia Maria Child. Her book was of course, written with an 1800s American mindset. However, many of the ideas of frugality and of stretching one’s resources, if updated, can still apply well in the 21st century.

This book is that 21st century update to the original book. Some ideas may not be new to some readers. However, it might not be new to others. I will try my best to include as much information within this topic as possible, even if some points may seem like common sense to some readers.

Perhaps you are on a budget and would like more ideas on how to save money. Perhaps you are a stay-at-home parent who wants to find more ways to lower household costs. Whatever your reason, the main intent of my writing this book is so that you can learn how you too can save money for your household.

This book is not about going without - life’s too short for that but far too long to be constantly worrying about money. Remember that frugality should not be confused with being cheap. It is not about always paying the lowest price but rather, buying items that offer the best value. That is, buying stuff that works and lasts. Buying something cheap that you don’t really need, or that breaks after one or two uses is not being frugal.

Without further ado, let’s begin!

Ask! Ask! Ask! For Discounts/Extras/Freebies

I’m going to make this my first and most important tip: Ask nicely for discounts/extras/freebies!

●  When you’re shopping, ask if you can get a discount on something that is dinged, is a display item or is close to its expiration date.

●  If you are shopping for insurance, ask your agent if you qualify for additional discounts. Extra discounts may be granted based on age, gender, marital status, professional or college affiliations.

●  If applicable, ask if any military/senior discounts are available. Here is a list of merchants that will grant military discounts. You can refer to http://bit.ly/1y1yzax to start you off.

●  If you are making a big purchase, ask the store if they can throw in extras. It helps to talk to the manager or if it’s a small company, talk to the owner. In some cases, the salesperson may have enough say to approve the request. You may make it easier for the seller to say yes by specifying the freebie(s) you’d like at the time of your request. For example, you can ask If you buy 5 of this item, can you get this other item for free?

Remember: the best case scenario if you ask is that you save extra money or get something for free. The worst that will happen to you is that you’ll get a no for a reply and you don’t get what you asked for. If you don’t ask, you will definitely not get anything!

Saving on Insurance

Mrs Child never mentioned insurance in her book. Perhaps insurance was not as prevalent in the 1830s, or perhaps it was simply something that the American housewife did not worry about in the 1800s. Today, insurance is very much a part of American life, whether you are a housewife or not.

Shop Around

As with everything else, always shop around. Good places to start are your state insurance department (http://1.usa.gov/1uJ0FkR), BankRate.com (http://bankrate.com) or the National Association of Insurance Commissioners (http://www.naic.org). That way, you will have an idea of what the average insurance rates in your area are.

Price is not the only factor to consider.  Insurer service, reputation and financial stability are all additional factors to consider. After all, you’d want the risk of your insurer folding before your possible claim is paid to be as low as possible!

There are a few ways to check up on your insurer. Firstly, you can check the company’s financial stability at A.M. Best (http://www.ambest.com) and Standard & Poor’s (http://www.standardandpoors.com). Secondly, look out for news terms like financial problems, trouble or claims associated with the company name. These terms indicate potential problems with the insurer. Poor customer service, records of claim disputes and being slow to pay on claims could also be indicators of a non-performing insurer.

Raise Your Deductible

A deductible is the amount of money you have to foot towards a loss before your insurance company pays out. That is, if your house was burgled and about $300 worth of household items was stolen, if your deductible is $500, the insurer will not pay out. If instead, you lost $600 in the burglary, the insurer will pay you $100 (after factoring in the $500 deductible).

The higher your deductible, the lower your premiums. Most insurers recommend having at least a $500 deductible. However, if you think you can afford to raise your deductible, you can save up to 25% on your premiums. Again, not everything is black and white. If you live in a disaster-prone area, you might want to spring for lower deductibles against those risks (eg flood, earthquakes, wildfire, hail etc).

Bundle Your Policies

Some insurers will discount your premiums if you buy more than one kind of insurance from them. For example, you may get a discount if you have life, auto and/or home insurance with one company. However, do not assume that that is the best deal. Again, shopping around. Reassess your costs and needs annually.

Improvements May Reduce Homeowner’s Insurance Premiums

In the case of homeowner’s insurance premiums, making your home more disaster resistant may lower premiums. Check with your agent what changes or upgrades will yield the best discounts. Installing smoke alarms, a security system, or having a stronger roof may lower premiums.

Reduce Premiums with Good Habits

Just as making your home is more disaster resistant may lower premiums, making yourself less risky in the eyes of insurers can lower premiums. Safe driving habits (for auto insurance), keeping in good shape, having healthy cholesterol levels and not smoking are all factors in lower premiums.

Stay With the Same Insurer

If you are happy with your insurer, staying with that company may yield additional discounts on premiums for customer loyalty. Discounts can be as much as 10% if you stay with the insurer for 6 years or more. However, be sure to keep comparing your rates and coverage against other insurers annually to make sure that you are still getting good relative terms.

Buy Only What You Need

I will repeat this point in many parts of this book (with some exceptions because being frugal doesn’t mean you should have to give up all fun in life). Insurance, however, is one of those things that buying more than you need is a total waste of money. Review your policy every year to make sure you are not paying for more coverage than your originally needed.

Home Insurance Coverage

Insure only the cost of repairing/replacing the house and its contents. There may be two kinds of coverages: replacement value or cash value. Replacement value is the amount of money it takes to replace everything at current market prices. Cash value pays the equivalent of what your property was worth when you first acquired it less depreciation. Also check to see if you are covered for temporary housing and for clean up after a fire. This coverage is usually in addition to your basic coverage. In areas where wildfires are common, like where we live, having this coverage is important.

Standard homeowners policies usually do not include flood or earthquake insurance. If you live in a flood-prone area you will need to buy additional coverage. Check the Federal Emergency Management Agency (http://floodsmart.gov) for additional information on flood insurance.

Similarly, earthquake insurance usually requires additional coverage. The cost will depend on how prone your area is to earthquakes. If you are in California, you can refer to the California Earthquake Authority (http://www.earthquakeauthority.com) for additional information.

The land that your house sits on is not at risk from any of the perils that cover your house. Insuring your home for the full value of the property is unnecessary and will only increase your premiums.

Avoid Having Frowned Upon Possessions

While you may not be able to move out of a flood or earthquake-prone area, you can avoid having certain possessions that many insurers consider to be a liability. These may include swimming pools which are a drowning and injury risk; having certain dog breeds like pit bulls or rottweilers, which can be a potential risk, and having hazardous items like trampolines which are a risk for injury or death. Having these things may increase your premiums unnecessarily.

Renter’s Insurance Coverage

If you rent rather than own, make sure that you are covered under either the landlord's coverage. Often, you may need to insure your own belongings. Renter’s insurance may or may not be necessary, depending how many valuables you have. Sometimes it may be more cost effective for you to simply buy insurance for specific valuables.

Auto Insurance Coverage

Auto insurance may cover comprehensive, collision and/or liability insurance. Collision insurance covers damage to the policyholder's vehicle resulting from running into anything (which can be another vehicle or a stationary object like a tree). Comprehensive coverage insures the vehicle in case of theft, fire or any other potential acts of God. If you have a vehicle that you seldom drive, you can consider having only comprehensive coverage on it, then activating collision and/or liability coverage when you drive it.

Additionally, check to see if your auto insurer has programs that offer lower premiums for infrequent or good driving habits. Progressive, for example, has a Snapshot program where they provide you with a sensor which you plug into your car. The sensor records your driving habits and transmits it back to Progressive. Defensive drivers may get their premiums reduced.

Many states have minimum auto insurance coverage laws. Buying what you need does not mean simply buying the minimum coverage are required by the state. Before you purchase any type of auto insurance coverage, be sure to study your other insurance policies so you don't end up paying for something you don't need.

If you have good health coverage, you might be able to just purchase the minimum personal injury insurance. Check Healthcare.gov at http://1.usa.gov/1FDuOZh so see if you qualify for lower health coverage costs.

Life Insurance

Again, if you do not have dependents, you may not need to have life insurance at all. However, if you do, you will need to figure out how much money you will need to support your dependants in the event of your untimely death. If you do not have an income, support may include funds needed to hire child care in place of your care.

Having Good Credit Helps You to Save

Disclaimer: I am not a financial professional. Anything I discuss is based on my own experience and how that has helped me to save money. If you need financial advice or any other kind of advice like tax or credit advice etc, please seek the appropriate professional for help. The ideas in this book are for informational purposes only.

In the US, having good credit is an important part of frugal living. I say this not to encourage you to go out and borrow as much as you can on cheap, easily available or relatively accessible credit.

On the country,

Just as the rich rule the poor, so the borrower is servant to the lender - Bible proverb

I can find proverbs from all over the world tracing back to ancient times warning against being a debtor. Moral of the story: do not be a debtor. But, this is not a book about morals, I simply say, try to stay out of debt because paying high interest rates is counter-intuitive to being frugal.

Having good credit in the US means that you usually qualify for lower insurance rates. It also means you can qualify for credit cards that give you the best (free) perks. A strong credit score or history can lower your insurance premiums.

Keep your credit scores up as a good credit history can cut your insurance costs. You can keep your credit score up by paying bills on time, keeping your debt balances to available credit ratios low, not applying for too much credit in a short period of time, and by having a credit history.

If you are just starting out and need to build credit, http://williampaid.com will report rent payments to Credit Reporting Agencies. At the time of writing, this service is free if you pay with a bank account direct debit.

Some credit unions extend credit builder loans to help their members build or rebuild credit. Loans are usually small - less than $1000. However, instead of receiving the $1000 at the time of loan approval, the customer receives the $1000 plus any accrued interest after the loan is paid. This may be a good option for people wanting to set up an emergency fund while building credit. 

Other options include applying for a store-branded credit card which usually has lower credit requirements, or finding someone with good credit to cosign the loan. Finally applying for a secured credit card is an option. Credit from these cards are usually secured by a first depositing funds to the financial institution issuing the secured credit card. From my research though, secured credit cards often prey on desperate people and this may not be the best option.

Insurers are increasingly using credit information to price insurance policies. Check your credit records on a regular basis and dispute any errors so that your record remains accurate. You can check your credit score for free at Credit Karma (http://creditkarma.com).

The Fair and Accurate Credit Transactions Act (FACT Act) also entitles consumers one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies: Experian (http://experian.com), Equifax (http://equifax.com) and Transunion (http://transunion.com). Consumers are entitled to their free reports once every 12 months through a Central Source.

Beware of sites appearing to be a Central Source! You can request your free reports through Annual Credit Report at: https://www.annualcreditreport.com. Depending on State Law, you may be eligible for additional free reports for other reasons; for example, if you have been denied for a job or for credit, based on your credit.

Saving With Credit Cards

There are many credit cards in the market today. In the US, the main purveyors are Visa, Mastercard, American Express (Amex) and Discover. Many credit cards will offer some kind of rewards program. If you have a credit card that does not reward you, might want to look into applying for a card that will give your rewards. (Note that applying for a credit card or for too many cards may lower your credit score.) Many cards do not charge an annual fee. Those that do however, may offer better perks.

Many good credit cards may include extra perks like:

●  Extended warranty (more savings if something breaks).

●  Price protection (the credit card will price match a lower price, according to their protection policy)

●  Purchase protection (comes in handy most if you purchased something online that was not as described)

●  Zero-liability fraud protection (in the event of unauthorized charges)

●  Cash back or air mile rewards (I always look for this as a way to capture extra savings from purchases I already need to make)

●  Free travel insurance coverage (they may reimburse you for unexpected travel loss or delays etc).

American Express

Some credit cards may offer additional shopping discounts, especially during Christmas. For example, if you have certain American Express cards, you might also be eligible for special or targeted offers that they may be running at that time. Deals have included statement credits for making certain dollar amounts at specified retailers like Walmart or Staples. I cannot say which card offers the best rewards as it really seems to be dependant on what American Express decides to promote at one time. Promotions may also be user targeted.

If you do not want to sign up for a credit card, you can also get a reloadable pre-paid card from American Express called Serve (https://www.serve.com/serveforamex/) which will allow you to take advantage of many American Express deals. They will, however, charge a $1 monthly service fee unless you live in New York, Texas and Vermont.

If you already have an American Express card, be sure to sign up for their social network-exclusive offers:

Amex Facebook Sync: http://hyperurl.co/amexFB

Amex Twitter Sync: http://hyperurl.co/amextweet

Amex Foursquare Sync: http://hyperurl.co/amex4sq

Amex TripAdvisor Sync: http://hyperurl.co/amextrip

Amex Sync offers usually consist of statement credit deals. For example, spend at least $100 at Best Buy, receive a $25 statement credit.

Of course, make sure you use your credit cards responsibly. You may be hit with high interest charges if your balance is not paid in full before the end of the grace period. To maximise your savings, you must make sure you do not end up paying these or any other additional fees which can quickly cost money rather than save money.

Using Debit Cards Can Help You To Save Money

If you are not sold on using credit cards, consider using a debit card that gives you cash back. In the US, debit cards do not offer the same perks and fraud protections that credit cards offer. Some banks, like Bank of America (http://bit.ly/18kb0NR), offer cash-back debit cards under their Add It Up perk. Beware of and fees, fine print or minimum balances that the issuing bank may impose though, as these fees can quickly cost you money.

Paypal also offers a 1% cash back debit card with no fees, limits or other minimums.

To sign up for your Paypal account, simply go tohttp://paypal.com and click the Sign Up button which is currently on the upper right-hand corner of the page.

You’ll then be taken to a page where Paypal will ask if you want to set up a personal or a business account. I have taken a screenshot of what the current page looks like but the actual page on Paypal will probably change over time.

Sign up for a business account which lets you apply for the cash back debit card. Personal Paypal accounts do not qualify for the debit card. Choose the Business Account tab and click the Continue button.

Paypal will then ask you if you want the Standard or the Pro account. Choose the Standard account which is free. Click the Select Standard button to continue. Paypal pages may change over time but the idea remains the same.

Enter the email address that you want your Paypal account to be registered to and, and the appropriate Captcha code. Then click Next.

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